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Comparing Holyheld Card and OKX Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Holyheld rates 4.6/5, slightly ahead of OKX at 4.2/5. Both are solid options, but Holyheld is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual only |
| Network | Mastercard Debit | Mastercard Debit |
| Custody | Self-custody | Custodial |
| Costs | ||
| Issuance fee | Classic €29; Limited €99; Metal €199 | Free |
| Annual fee | Free (€1/mo inactivity fee after 4 months no card use) | Free |
| FX fee | 0% in EUR inside the EEA0% in EUR inside the EEA; 2.5% + €1 outside it; on top of that the issuer applies a separate 3% mark-up over the Mastercard rate to any transaction not in EUR, published only in the Unlimit fee schedule while Holyheld's own pages say 0% FX — a foreign-currency purchase abroad pays both | 0.1% conversion spread (official docs); no transaction or FX fees |
| Rewards | ||
| Cashback | Up to 1% | 2-4% (VIP tiers) |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | IBAN yes (Cyprus-based personal IBAN), SEPA yes, SWIFT not disclosed | SEPA via MiCA/PSD2 Malta PI license (EU); IBAN not explicitly confirmed per user |
| Daily spend limit | €10000/day | Based on verification and tier |
| ATM withdrawal limit | €1000/day; €5000/month; €60000/year | Not available (virtual card only) |
| Top-up methods | 1,200+ tokens across 20+ networks; connect your own wallet, convert to EUR and move it to the account balance; gasless approvals on external-wallet top-up; SEPA in via personal IBAN | USDC, USDG stablecoins from OKX Pay account |
| Regions | 30 EEA countries only | EEA + Brazil |
| Behind the card | ||
| Card issuer | Unlimit EU Ltd — Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Named in the card terms | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
|
| Get Holyheld Card | Get OKX Card | |
Holyheld Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike OKX where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, OKX may be better if you need something it does better.
In short: Holyheld Card (4.6/5) is the stronger option for most people compared to OKX Card (4.2/5).
